Digital loan management platform for an Indian NBFC

The challenge

A large non-banking financial company in India lends to SMEs and individuals in cities and rural areas. Its growth had outpaced its loan processing: paper applications, manual verification and disconnected systems made approvals slow, customers dropped off mid-application, and tighter regulation demanded stronger security and audit trails.

Our approach

We built a cloud platform on AWS with Node.js microservices, PostgreSQL and MongoDB. Borrowers and field agents use a React Native app to apply, upload documents and track status. Automated eKYC and machine-learning credit scoring handle eligibility, a workflow engine routes approvals with e-signatures, and approved loans are paid out over UPI and IMPS.

Operations teams see portfolio performance and compliance reports on a dashboard. Biometric login, end-to-end encryption, role-based access and tamper-evident audit logs protect the data. The rollout started with personal loans and expanded to SME lending.